Heat a skillet over medium heat and cook the ground beef until browned, breaking it up with a spatula as it cooks.
Drain excess fat from the browned beef, then stir in half of the taco seasoning (about 1.5 tbsp). Remove from heat and set aside.
Spoon the refried beans into the bottom of a 2.5-quart casserole dish and spread into an even layer.
In a mixing bowl, combine the softened cream cheese, sour cream, and the remaining taco seasoning (about 1.5 tbsp) until smooth and well blended.
Spread the cream cheese mixture evenly over the layer of refried beans.
Top with the seasoned taco meat in an even layer over the cream cheese mixture.
Layer the shredded lettuce, shredded Mexican blend cheese, diced tomatoes, diced green onions, sliced black olives, and jalapeño slices (if using) over the meat.
Serve immediately with tortilla chips or chill up to 4 hours before serving.